Rubino & Liang Wealth Partners

The 365 Retirement Plan™

A financial plan is not a stack of papers, that creates clarity, purpose, and directives to serve as your north star.

Our planning framework addresses five key areas:

  • Income

  • Income Distribution

    Create a steady monthly income that optimizes your Social Security, considers the tax impact of withdrawal order, and aligns with your unique spending narrative.

  • Investments

  • Investment Strategies

    Align your investment portfolio to support your goals, including increasing your withdrawals to allow your lifestyle to keep up with inflation.

  • Tax Planning

  • ‍Tax Planning

    Using advanced OCR technology, our software will read your tax return and create a customized, white labeled tax report complete with relevant observations. The same OCR technology also pre-fills a scenario analysis screen allowing us to immediately identify key income breakpoints for tax planning opportunities like ROTH conversions, tax-efficient withdrawals, charitable giving, and much more.

  • Healthcare

  • Healthcare Planning

    Make provisions for the two primary phases of healthcare needs within your plan: Medicare years and extended healthcare needs.

  • Legacy

  • ‍Legacy/Estate Planning

    We help you choose between a trust or will and connect you to an attorney group that can complete the necessary legal documents.

Income Distribution

Create a steady monthly income that optimizes your Social Security, considers the tax impact of withdrawal order, and aligns with your unique spending narrative.

Investment Strategies

Align your investment portfolio to support your goals, including increasing your withdrawals to allow your lifestyle to keep up with inflation.

‍Tax Planning

Using advanced OCR technology, our software will read your tax return and create a customized, white labeled tax report complete with relevant observations. The same OCR technology also pre-fills a scenario analysis screen allowing us to immediately identify key income breakpoints for tax planning opportunities like ROTH conversions, tax-efficient withdrawals, charitable giving, and much more.

Healthcare Planning

Make provisions for the two primary phases of healthcare needs within your plan: Medicare years and extended healthcare needs.

‍Legacy/Estate Planning

We help you choose between a trust or will and connect you to an attorney group that can complete the necessary legal documents.

Here's How It Works:

Before you become a client, you’ll schedule a phone call with one of the partners at the firm, so we can learn what you’re hoping to accomplish. 
 
If we might be a good fit, we’ll prepare to meet for an Explore Session with the team.
 

During the Explore Session, we have three goals:

1. You get to express all of your concerns with your financial future.
2. You learn a bit more about your advisor and whether or not you think you would want to work with them.
3. You learn everything you need or want to know about Rubino & Liang Wealth Partners and the 365 Retirement Plan process.

If we mutually feel we can be of beneficial service to you, then we will engage in planning and will meet again to get started with the Design session.

In the Design Session(s), our team will get crystal clear on your retirement goals, needs, and concerns.
 
We will explore your unique financial narrative and answer your most pressing questions as we learn which essential items can help you get the most from your plan. 

This session will be a back-and-forth conversation to make sure we are collecting the right information to build a retirement plan that addresses YOUR concerns, while using the most up-to-date data that you can provide.
 
From here, our team will get to work on creating a holistic framework that is tailor-made to your unique situation.
The 365 Retirement Plan is a holistic framework that ensures you’ve covered your most important areas: 
 
‍Income Distribution – Create a steady monthly income that optimizes your Social Security, considers the tax impact of withdrawal order, and aligns with your unique spending narrative.
‍Investment Strategies – Align your investment portfolio to support your goals, including increasing your withdrawals to allow your lifestyle to keep up with inflation.

‍Tax Planning – Using advanced OCR technology, our software will read your tax return and create a customized, white labeled tax report complete with relevant observations.
The same OCR technology also pre-fills a scenario analysis screen allowing us to immediately identify key income breakpoints for tax planning opportunities like ROTH conversions, tax-efficient withdrawals, charitable giving, and much more.  
 
‍Healthcare Planning – Make provisions for the two primary phases of healthcare needs within your plan: Medicare years and extended healthcare needs.

‍Legacy – We help you choose between a trust or will and connect you to an attorney group that can complete the necessary legal documents.
 
We want you to completely “buy-in” to your plan. A ‘fine-tuning’ period of a few weeks allows time for the goals you’ve created to settle in, follow-up questions can be asked, and if needed, components of your plan can be re-analyzed or strategized.

A series of future financial planning tasks are prioritized and scheduled as we wrap up the initial plan set-up and set the stage for our ongoing service to begin!

An ongoing process, Service is the maintenance and monitoring stage of the 365 Retirement Plan™. 

 
We regularly monitor your accounts, assets, and goals to ensure they continue to align with the written plan we built together. 
 
If anything changes with your desires or your situation, you can contact us and we will reconvene to adjust the plan as necessary to evolve with your needs. If we note anything of concern while monitoring, we’ll contact you so that we can choose a plan of action together.
 

What Makes Us Different Than Other Financial Advisors?

There are three really important things about our firm that separate us from others:

1. All we do is retirement planning. We are retirement specialists with a simple goal of making sure you don’t run out of money.

2. We limit the number of new clients we take on so we can ensure that our clients receive massive value and personalized service.

3. We invest in industry-leading technology to simplify our clients’ lives, so our retirement plans work every day of the year, so you don’t have to.

Boutique service with big-firm abilities.

Based in Newton, Massachusetts, we serve clients nationwide.

We’re detailed and personal and use the latest technology for a beautiful user experience.

FAQ's

Common queries & concerns

Schedule Your Free Call

We are retirement planning professionals and do our best work with:

  • Retirement investors over age 55 who are retired, or want to make “work optional” in the next five years.
  • Diligent savers who have accumulated investments of $500,000 or more. (Excluding real estate.)
  • People who value hiring a professional because they know their retirement is too important to manage it alone.

We do our best work with people looking for a long-term relationship. Currently, our firm is not equipped to offer an hourly fee schedule or a one-time project fee option.

If you need help locating a financial planner who offers these fee options, send us a note and we will do our best to get you in the right hands.

Great question! But first, let us explain why you shouldn’t hire us.

If you’re looking for someone who will simply trade stocks to “beat the market,” you’re in the wrong place. 
 
Why? Because we focus on what you can control. Predicting whether or not the stock market will rise or fall, or speculating what interest rates will do next, are not things you can control.

But if you are interested in things like lowering your tax bill, investing smarter, and creating a reliable income stream in retirement, you’re in the right place.

Yes! While many of our clients are in Southern New England, we work with retirement savers all over the United States.

Our firm is equipped to meet with clients and potential clients through the video conferencing software, Zoom.

Each virtual meeting is protected by a complex, unique password and we adhere to the strict security guidelines necessary to protect your privacy.

Take The First Step

Complete the form below to meet us.
(We’ll never share your information with anyone.)
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We look forward to meeting you!

Build Your 365 Retirement Plan™

To schedule your explore session call, fill out the form, and then find a time on the calendar that works best for you.